Research On Supply Chain Financing Mold Based On E-Commerce Platform

In real life,due to the opaque information,the lack of perfect governance structure and other factors,small and medium-sized enterprises are easy to be restricted by financing difficulties in the process of realizing enterprise innovation and upgrading,affecting their development.In recent years,relying on the promotion of the supply chain financing mode of core enterprises,the matching between the capital supply side and the demand side has been realized,which has effectively alleviated the financing difficulties of small and medium-sized enterprises.With the proposal of "Internet plus”policy,the traditional supply chain financing mode has changed,and e-commerce platforms begin to enter the supply chain market.On this basis,the financing needs of SME begin to be deeply integrated with cloud computing,big data and other technologies.Relying on Internet technology,the supply chain logistics,cash flow,business flow,and information flow have realized management refinement and other advantages.On the one hand,through the combination of online and offline,the dimensions of effective data mining by Banks are expanded to effectively ensure the smooth development of real transaction behaviors and risk control measures in the entire supply chain.On the other hand,supply chain mode can solve the problem of insufficient guarantee ability of SME,reducing the financing transaction cost and improving the efficiency in obtaining funds.This article mainly include the development of the supply chain finance,development model and development stage further extends to the electricity supply chain under the age of the Internet financial model development in present.Using JD financial as the breakthrough point,a detailed analysis of specific model of supply chain finance and development advantages and problems,the related theory and the development of JD supply chain practice,based on the data of JD group,through the financial index analysis,supply chain finance business in promoting the JD operating income growth,to reduce the internal enterprises of supply chain financing difficulty has the outstanding contributions,but also according to the practical index found launched against the core of supply chain business enterprise assets turnover,debt pressure slow release,etc.Finally,the paper puts forward Suggestions from the macro,medium and micro aspects,pointing out that the improvement of laws,the cooperation of all parties involved in the supply chain,and the internal control of financing enterprises play an important role in the avoidance of financial risks in the supply chain.However,due to the fact that JD group has been listed for less than five years,there is a lack of detailed data in the analysis,so it is difficult to conduct empirical econometric analysis and can only use financial indicators for quantitative analysis.At the same time,the fast pace of the Internet era makes part of the data in the paper have a certain time delay,which may affect the research results.The main content of this paper can be divided into six parts in the structure,respectively:First,Introduction,including the research background,significance,literature review and analysis methods,innovation and deficiencies;Second,Overview of supply chain finance,mainly involving the basic theoretical knowledge of supply chain finance.Including the concept,characteristics,main business model and development stage of supply chain finance;Third,Overview of e-commerce supply chain finance,mainly:involving the new form of e-commerce platform in the development stage of supply chain finance in the era of Internet big data.Including the concept of e-commerce supply chain finance,characteristics,and the differences with traditional supply chain finance and development trend;Forth,JD financial model of supply chain research,JD finance as the research object,deeply analyze the supply chain financial development course of JD,the main financial products such as:"Jing Bao Bei""Jing Xiao Dai" and its operation mode,JD financial supply chain operation efficiency evaluation and financial model of supply chain based on balanced scorecard improvement plan;Fifth,Problems and suggestions,including problems and countermeasures.Specifically,the problem is divided into five risks:credit,operation,market,law,e-commerce supply chain financial model risks;The countermeasures are divided into three dimensions according to the main body:the government,financial institutions and e-commerce platform itself.Corresponding countermeasures are proposed from the three directions respectively.Sixth,Conclusion and references.